Abstract: One of the most important tasks in the risk
management is the correct determination of probability of default
(PD) of particular financial subjects. In this paper a possibility of
determination of financial institution’s PD according to the creditscoring
models is discussed. The paper is divided into the two parts.
The first part is devoted to the estimation of the three different
models (based on the linear discriminant analysis, logit regression
and probit regression) from the sample of almost three hundred US
commercial banks. Afterwards these models are compared and
verified on the control sample with the view to choose the best one.
The second part of the paper is aimed at the application of the chosen
model on the portfolio of three key Czech banks to estimate their
present financial stability. However, it is not less important to be able
to estimate the evolution of PD in the future. For this reason, the
second task in this paper is to estimate the probability distribution of
the future PD for the Czech banks. So, there are sampled randomly
the values of particular indicators and estimated the PDs’ distribution,
while it’s assumed that the indicators are distributed according to the
multidimensional subordinated Lévy model (Variance Gamma model
and Normal Inverse Gaussian model, particularly). Although the
obtained results show that all banks are relatively healthy, there is
still high chance that “a financial crisis” will occur, at least in terms
of probability. This is indicated by estimation of the various quantiles
in the estimated distributions. Finally, it should be noted that the
applicability of the estimated model (with respect to the used data) is
limited to the recessionary phase of the financial market.
Abstract: Climate change will affect the hydrological cycle in
many different ways such as increase in evaporation and rainfalls.
There have been growing interests among researchers to identify the
nature of trends in historical rainfall data in many different parts of
the world. This paper examines the trends in annual maximum
rainfall data from 30 stations in New South Wales, Australia by using
two non-parametric tests, Mann-Kendall (MK) and Spearman’s Rho
(SR). Rainfall data were analyzed for fifteen different durations
ranging from 6 min to 3 days. It is found that the sub-hourly
durations (6, 12, 18, 24, 30 and 48 minutes) show statistically
significant positive (upward) trends whereas longer duration (subdaily
and daily) events generally show a statistically significant
negative (downward) trend. It is also found that the MK test and SR
test provide notably different results for some rainfall event durations
considered in this study. Since shorter duration sub-hourly rainfall
events show positive trends at many stations, the design rainfall data
based on stationary frequency analysis for these durations need to be
adjusted to account for the impact of climate change. These shorter
durations are more relevant to many urban development projects
based on smaller catchments having a much shorter response time.
Abstract: This paper presents the electromagnetic interference
(EMI) shielding effectiveness of rice husk and carbon nanotubes
(RHCNTs) composites in the X-band region (8.2-12.4 GHz). The
difference weight ratio of carbon nanotubes (CNTs) were mix with
the rice husk. The rectangular waveguide technique was used to
measure the complex permittivity of the RHCNTs composites
materials. The complex permittivity is represented in terms of both
the real and imaginary parts of permittivity in X-band frequency. The
conductivity of RHCNTs shows increasing when the ratio of CNTs
mixture increases. The composites materials were simulated using
Computer Simulation Technology (CST) Microwave Studio
simulation software. The shielding effectiveness of RHCNTs and
pure rice husk was compared. The highest EMI SE of 30 dB is
obtained for RHCNTs composites of 10 wt % CNTs with 10mm
thickness.
Abstract: Multiwall carbon nanotubes, prepared by chemical
vapor deposition, have an average diameter of 60-100 nm as shown
by High Resolution Transmittance Electron Microscope, HR-TEM.
The Multiwall carbon nanotubes (MWCNTs) were further
characterized using X-ray Diffraction and Raman Spectroscopy.
Mercury uptake capacity of MWCNTs was studied using batch
adsorption method at different concentration ranges up to 150 ppm.
Mercury concentration (before and after the treatment) was measured
using cold vapor atomic absorption spectroscopy. The effect of time,
concentration, pH and adsorbent dose were studied. MWCNT were
found to perform complete absorption in the sub-ppm concentrations
(parts per billion levels) while for high concentrations, the adsorption
efficiency was 92% at the optimum conditions; 0.1 g of the adsorbent
at 150 ppm mercury (II) solution. The adsorption of mercury on
MWCNTs was found to follow the Freundlich adsorption isotherm
and the pseudo-second order kinetic model.
Abstract: The aim of present study was to monitor the presence
of Trichodina sp. in Rainbow trout, Oncorhynchus mykiss collected
from various fish farms in the western provinces of Iran during
January, 2013- January, 2014. Out of 675 sampled fish 335, (49.16%)
were infested with Trichodina. The highest prevalence was observed
in the spring and winter followed by autumn and summer. In general,
the intensity of infection was low except in cases where outbreaks of
Trichodiniasis endangered the survival of fish in some ponds. In light
infestation Trichodina is usually present on gills, fins and skin of
apparently healthy fish. Clinical signs of Trichodiniasis only appear
on fish with heavy infections and cases of moderate ones that are
usually exposed to one or more stress factors including, rough
handling during transportation from ponds, overcrowdness,
malnutrition, high of free ammonia and low of oxygen concentration.
Clinical signs of Trichodiniasis in sampled fish were sluggish
movement, loss of appetite, black coloration, necrosis and ulcer on
different parts of the body, detached scales and excessive
accumulation of mucous in gill pouches. The most obvious
histopathological changes in diseased fish were sloughing of the
epidermal layer, aggregation of leucocytes and melanine-carrying
cells (between the dermis and hypodermis) and proliferative changes
including hyperplasia and hypertrophy of the epithelial lining cells of
gill filaments which resulted in fusion of secondary lamellae. Control
of Trichodiniasis, has been achieved by formalin bath treatment at a
concentration of 250 ppm for one hour.
Abstract: The global solved problem is the calculation of the
parameters of ceramic material from a set of destruction tests of
ceramic heads of total hip joint endoprosthesis. The standard way of
calculation of the material parameters consists in carrying out a set of
3 or 4 point bending tests of specimens cut out from parts of the
ceramic material to be analysed. In case of ceramic heads, it is not
possible to cut out specimens of required dimensions because the
heads are too small (if the cut out specimens were smaller than the
normalised ones, the material parameters derived from them would
exhibit higher strength values than those which the given ceramic
material really has). A special destruction device for heads
destruction was designed and the solved local problem is the
modification of this destructive device based on the analysis of
tensile stress in the head for two different values of the depth of the
conical hole in the head. The goal of device modification is a shift of
the location with extreme value of σ1max from the region of head’s
hole bottom to its opening. This modification will increase the
credibility of the obtained material properties of bioceramics, which
will be determined from a set of head destructions using the Weibull
weakest link theory.
Abstract: The North-eastern part of India, which receives
heavier rainfall than other parts of the subcontinent, is of great
concern now-a-days with regard to climate change. High intensity
rainfall for short duration and longer dry spell, occurring due to
impact of climate change, affects river morphology too. In the present
study, an attempt is made to delineate the North-eastern region of
India into some homogeneous clusters based on the Fuzzy Clustering
concept and to compare the resulting clusters obtained by using
conventional methods and nonconventional methods of clustering.
The concept of clustering is adapted in view of the fact that, impact
of climate change can be studied in a homogeneous region without
much variation, which can be helpful in studies related to water
resources planning and management. 10 IMD (Indian Meteorological
Department) stations, situated in various regions of the North-east,
have been selected for making the clusters. The results of the Fuzzy
C-Means (FCM) analysis show different clustering patterns for
different conditions. From the analysis and comparison it can be
concluded that nonconventional method of using GCM data is
somehow giving better results than the others. However, further
analysis can be done by taking daily data instead of monthly means to
reduce the effect of standardization.
Abstract: Medical imaging technology has experienced a
dramatic change in the last few years. Medical imaging refers to the
techniques and processes used to create images of the human body
(or parts thereof) for various clinical purposes such as medical
procedures and diagnosis or medical science including the study of
normal anatomy and function. With the growth of computers and
image technology, medical imaging has greatly influenced the
medical field. The diagnosis of a health problem is now highly
dependent on the quality and the credibility of the image analysis.
This paper deals with the various aspects and types of medical
imaging.
Abstract: Mech-Degla, Degla-Beida and Frezza are the date
(Phoenix dactylifera L.) common varieties with a more or less good
availability and feeble trade value. Some morphologic and
physicochemical factors were determined. Results show that the
whole date weight is significantly different (P= 95%) concerning
Mech-Degla and Degla-Beida which are more commercialized than
Frezza whereas the pulp mass proportion in relation to whole fruits is
highest for Frezza (88.28%). Moreover, there is a large variability
concerning the weights and densities of constitutive tissues in each
variety. The white tissue is dominant in Mech-Degla in opposite to
the two other varieties. The variance analyze showed that the
difference in weights between brown and white tissues is significant
(P = 95%) for all studied varieties. Some other morphologic and
chemical proprieties of the whole pulps and their two constitutive
parts (brown or pigmented and white) are also investigated. The
predominance of phenolics in Mech-Degla (4.01g/100g, w.b) and
Frezza (4.96 g/100g, w.b) pulps brown part is the main result
revealed in this study.
Abstract: Nonstandard tests are necessary for analyses and
verification of new developed structural and technological solutions
with application of composite materials. One of the most critical
primary structural parts of a typical aerospace structure is T-joint.
This structural element is loaded mainly in shear, bending, peel and
tension. The paper is focused on the shear loading simulations. The
aim of the work is to obtain a representative uniform distribution of
shear loads along T-joint during the mechanical testing. A new
design of T-joint test procedure, numerical simulation and
optimization of representative boundary conditions are presented.
The different conditions and inaccuracies both in simulations and
experiments are discussed. The influence of different parameters on
stress and strain distributions is demonstrated on T-joint made of
CFRP (carbon fibre reinforced plastic). A special test rig designed by
VZLU (Aerospace Research and Test Establishment) for T-shear test
procedure is presented.
Abstract: In the culture of Thailand, the Yak serve as a mediated
icon representing strength, power, and mystical protection not only
for the Buddha, but for population of worshipers. Originating from
the forests of China, the Yak continues to stand guard at the gates of
Buddhist temples. The Yak represents Thai culture in the hearts of
Thai people. This paper presents a qualitative study regarding the
curious mix of media, culture, and religion that projects the Yak of
Thailand as a larger than life message throughout the political,
cultural, and religious spheres. The gate guardians, or gods as they
are sometimes called, appear throughout the religious temples of
Asian cultures. However, the Asian cultures demonstrate differences
in artistic renditions (or presentations) of such sentinels. Thailand
gate guards (the Yak) stand in front of many Buddhist temples, and
these iconic figures display unique features with varied symbolic
significance. The temple (or wat), plays a vital role in every
community; and, for many people, Thailand’s temples are the
country’s most endearing sights. The authors applied folknography as
a methodology to illustrate the importance of the Thai Yak in serving
as meaningful icons that transcend not only time, but the culture,
religion, and mass media. The Yak represents mythical, religious,
artistic, cultural, and militaristic significance for the Thai people.
Data collection included interviews, focus groups, and natural
observations. This paper summarizes the perceptions of the Thai
people concerning their gate sentries and the relationship,
communication, connection, and the enduring respect that Thai
people hold for their guardians of the gates.
Abstract: In order to verify the performance of lunar lander
structure, landing-impact test is urgently needed. And the test
equipment is necessary for the test. The functions and the key points of
the equipment are presented to satisfy the requirements of the test, and
the design scheme is proposed. The composition, the major function
and the critical parts’ design of the equipment are introduced. By the
load test of releasing device and single-beam hoist, and the
compatibility test of landing-impact testing system, the rationality and
reliability of the equipment is proved.
Abstract: Different strategies and tools are available at the oil
and gas industry for detecting and analyzing tension and possible
fractures in borehole walls. Most of these techniques are based on
manual observation of the captured borehole images. While this
strategy may be possible and convenient with small images and few
data, it may become difficult and suitable to errors when big
databases of images must be treated. While the patterns may differ
among the image area, depending on many characteristics (drilling
strategy, rock components, rock strength, etc.). In this work we
propose the inclusion of data-mining classification strategies in order
to create a knowledge database of the segmented curves. These
classifiers allow that, after some time using and manually pointing
parts of borehole images that correspond to tension regions and
breakout areas, the system will indicate and suggest automatically
new candidate regions, with higher accuracy. We suggest the use of
different classifiers methods, in order to achieve different knowledge
dataset configurations.
Abstract: Web-based Cognitive Writing Instruction (WeCWI) is
a hybrid e-framework for the development of a web-based instruction
(WBI), which contributes towards instructional design and language
development. WeCWI divides its contribution in instructional design
into macro and micro perspectives. In macro perspective, being a 21st
century educator by disseminating knowledge and sharing ideas with
the in-class and global learners is initiated. By leveraging the virtue
of technology, WeCWI aims to transform an educator into an
aggregator, curator, publisher, social networker and ultimately, a
web-based instructor. Since the most notable contribution of
integrating technology is being a tool of teaching as well as a
stimulus for learning, WeCWI focuses on the use of contemporary
web tools based on the multiple roles played by the 21st century
educator. The micro perspective in instructional design draws
attention to the pedagogical approaches focusing on three main
aspects: reading, discussion, and writing. With the effective use of
pedagogical approaches through free reading and enterprises,
technology adds new dimensions and expands the boundaries of
learning capacity. Lastly, WeCWI also imparts the fundamental
theories and models for web-based instructors’ awareness such as
interactionist theory, cognitive information processing (CIP) theory,
computer-mediated communication (CMC), e-learning interactionalbased
model, inquiry models, sensory mind model, and leaning styles
model.
Abstract: The article presents the concept of an electromagnetic
circuit generator with permanent magnets mounted on the surface
rotor core designed for single phase work. Computation field-circuit
model was shown. The spectrum of time course of voltages in the
idle work was presented. The cross section with graphically
presentation of magnetic induction in particular parts of
electromagnetic circuits was presented. Distribution of magnetic
induction at the rated load point for each phase was shown. The time
course of voltages and currents for each phases for rated power were
displayed. An analysis of laboratory results and measurement of load
characteristics of the generator was discussed. The work deals with
three electromagnetic circuits of generators with permanent magnet
where output voltage characteristics versus rated power were
expressed.
Abstract: This research proposes a novel reconstruction protocol
for restoring missing surfaces and low-quality edges and shapes in
photos of artifacts at historical sites. The protocol starts with the
extraction of a cloud of points. This extraction process is based on
four subordinate algorithms, which differ in the robustness and
amount of resultant. Moreover, they use different -but
complementary- accuracy to some related features and to the way
they build a quality mesh. The performance of our proposed protocol
is compared with other state-of-the-art algorithms and toolkits. The
statistical analysis shows that our algorithm significantly outperforms
its rivals in the resultant quality of its object files used to reconstruct
the desired model.
Abstract: The objectives of this study are to find out the
approaches to promote healthy recreation activities for elderly
tourists and develop Bang Nam Phueng Floating Market to be a
health tourism attraction. The research methodology was to analyze
internal and external situations according to MP-MF and the MCSTEPS
principles.
As for the results of this study the researcher found that the
healthy recreational activities for elderly tourists could be divided in
7 groups; travelling Bang Nam Phueng Floating Market activity,
homestay relaxation, arts center platform activity, healthy massage
activity, paying homage to a Buddha image activity, herbal joss-stick
home activity, making local desserts and food activity.
Abstract: The purpose of this work is to optimize a Switched Reluctance Motor (SRM) for an automotive application, specifically for a fully electric car. A new optimization approach is proposed. This unique approach transforms automotive customer requirements into an optimization problem, based on sound knowledge of a SRM theory. The approach combines an analytical and a finite element analysis of the motor to quantify static nonlinear and dynamic performance parameters, as phase currents and motor torque maps, an output power and power losses in order to find the optimal motor as close to the reality as possible, within reasonable time. The new approach yields the optimal motor which is competitive with other types of already proposed motors for automotive applications. This distinctive approach can also be used to optimize other types of electrical motors, when parts specifically related to the SRM are adjusted accordingly.
Abstract: The paper gives basic information on application of
rotation bending for manufacturing ship hull parts from steel plates
and on MGPS machines, employed for this purpose.
Abstract: This study has only one objective which is to identify the different in factors of choosing the distributor for food and non-food OTOP entrepreneur in Thailand. In this research, the types of OTOP product will be divided into two groups which are food and non-food. The sample for the food type OTOP product was the processed fruit and vegetable from Nakorn Pathom province and the sample for the non-food type OTOP product was the court doll from Ang Thong province. The research was divided into 3 parts which were a study of the distribution pattern and how to choose the distributor of the food type OTOP product, a study of the distribution pattern and how to choose the distributor of the non-food type OTOP product and a comparison between 2 types of products to find the differentiation in the factor of choosing distributor. The data and information was collected by using the interview. The populations in the research were 5 producers of the processed fruit and vegetable from Nakorn Pathom province and 5 producers of the court doll from Ang Thong province. The significant factor in choosing the distributor of the food type OTOP product is the material handling efficiency and on-time delivery but for the non-food type OTOP product is focused on the channel of distribution and cost of the distributor.